중국 상업은행의 감독규제에 관한 법제 고찰

Securing a stability of the financial system of one nation is critical as it distributes the corporations and family resources and carries out the Payments and settlements. The basic purpose for a regulation and supervision of financial matters is to secure an asset soundness and a stability of a financial system, and it is carried out by the means of Restriction of market entry, Business regulations, Inspections, Restrictions. The open-door police of China's financial market used to be focused on securing foreign funds by inviting foreign banks and investing in them. As the reformation of economic system has accelerated, however, it had established and enforced the Central bank system and it also made a reform of inner management system and credit loan system. Commercial Bank of China takes charge of loan services by the rules of shareholder management, self risk taking of profits and losses, which is based on the management principles of Stability, Liquidity, Efficiency. It is also responsible for foreign civil liabilities alone. China's Regulation and supervision system has set up the Chinese Banking Regulatory Commission which supervises over many financial institutions such as commercial banks, Cash management service companies, Investment trust companies. It also supervises the market entries and liquidations of the commercial banks and legitimacy and risks of financial institutions. The Chinese Banking Regulatory Commission is regulating and supervising Chinese commercial banks by controling the entry of commercial banks and the system of management, business, liquidations. There are regulations for securing asset soundness, minimum registration funds, dept ratio, incorporation procedures to restrict market entries. And to control business matters, it's classified by two parts of business( debt-related, asset-related and intermediation businesses), and prohibition of business(trust investments and securities businesses, real estate investments, investments in financial companies).